The Ultimate Guide to Credit Cards
Monday, November 23, 2020

19 Best Cards to Earn a $200 to $500+ Credit Card Bonus

500 Credit Card Bonus

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: October 21, 2020
Advertiser Disclosure

Not so long ago, opening a new bank account or credit card came with a small kitchen appliance. These days, new credit cards generally won’t net you a toaster — but they do often come with the chance to earn a big signup bonus.

We’ve put together a list of some of the biggest and best bonuses around. While some signup bonuses come in the form of a lump-sum cash reward, a number of high-value bonuses come in the form of rewards points. In the article that follows, we’ll explore the best cards to earn a $200 to $500+ credit card bonus. With that kind of money, you can buy a toaster for every room.

Since points and miles can have variable values depending on the program, we’ll take a look at values for redemption for cash back and direct travel (through the issuer). We’ll also include some valuations from The Points Guy (TPG), which includes transfer partners in its calculations.

Signup Bonuses Worth: $750+ | $500+ | $200+

Best Credit Cards with $750+ Signup Bonuses

While cash may be king in some arenas, maximizing credit card rewards is rarely one of them. The cards with the highest-value signup bonuses won’t offer flat cash bonuses, but instead typically offer rewards points with variable per-point value.

In the vast majority of credit card rewards programs, the maximum per-point value is obtained through travel redemption, either via the issuer’s shopping portal or by transferring credit card rewards to a partner hotel or airline loyalty program.

Consumer | Business

Consumer Credit Cards with $750+ Signup Bonuses

As you might suspect, if you’re looking for a consumer credit card with a massive signup bonus, you’re going to be paying a fairly massive annual fee, too — about $450 to $550 worth of massive.

On the bright side, not only does the big signup bonus provide a way to make up for at least that first-year’s fee, but most of these top-tier rewards cards come with purchase rewards and cardholder benefits that can make the annual fee worthwhile.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
16.99%-23.99% Variable
$550
Good/Excellent

Although it’s unlikely we’ll again see the six-figure bonus that the Chase Sapphire Reserve® came with at launch, the 50,000 Ultimate Rewards® points new cardholders can earn are still extremely valuable.

In fact, while only worth $500 as cash back, those points can be worth up to $750 in travel when redeemed through Chase’s travel portal. The extra value is thanks to the 50% redemption bonus you get for being a Chase Sapphire Reserve® cardholder.

To really maximize your Ultimate Rewards®, you can transfer your points to one of Chase’s 10+ airline and hotel partners to reach — or even exceed — the TPG average value of 2.1¢ per point, potentially turning that 50,000-point bonus into $1,050 of travel.

The Platinum Card® Review

at the issuer'ssecure website

CATEGORY RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 75,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel. Also earn 5X Membership Rewards® points on prepaid hotels (booked and paid in advance) on amextravel.com.
  • Earn 1X points on all other eligible purchases. Terms apply.
  • Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account
  • $100 hotel credit to spend on qualifying dining, spa, and resort activities. Qualifying activities vary by property.
  • Access to The Global Lounge Collection® including 1,200 airport lounges across 130 countries and counting
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$550
Excellent

The signup bonus for the Platinum Card® from American Express changes fairly regularly. It rarely drops below 60,000 Membership Rewards® points, however, with targeted offers of 75,000 points often popping up, and bonuses of 100,000 points not uncommon.

Per-point value varies considerably depending on how you redeem your Membership Rewards®. Redeeming for a statement credit reportedly only provides 0.6¢ per point, while airfare options through Amex Travel can give you 1¢ per point.

By and large, the highest-value redemption option is to transfer your Membership Rewards® to a hotel or airline partner. Amex has 20 different airline and hotel transfer partners, giving you a lot of room to find a valuable redemption.

Indeed, the TPG value for Membership Rewards® is 1.9¢ per point, which means you can turn a typical 60,000-point bonus into $1,140 worth of travel if you redeem wisely.

Since The Platinum Card® has been known to offer signup bonuses of up to 100,000 Membership Rewards® points, it may be worthwhile to wait for the larger bonus if possible. You can only earn one signup bonus per Amex credit card per lifetime.

Business Credit Cards with $750+ Signup Bonuses

Business credit cards regularly offer much larger signup bonuses than consumer credit cards, though they also come with appropriately large spending requirements.

You should expect to see spending requirements of at least $5,000 for the largest business credit card signup bonuses — though a requirement of up to $25,000 might be required for some top-tier cards.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • New Offer! Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99%-20.99% Variable
$95
Good/Excellent

The Ink Business Preferred® Credit Card earns the ever-popular Ultimate Rewards® points, which can be redeemed for travel through Chase’s portal or — the more valuable option — transferred to a partner airline or hotel loyalty program.

When redeemed as cash back, you get 1¢ per point, turning an 80,000-point bonus into a solid $800 statement credit. Redeeming for travel, however, provides much better value, as those 80,000 points can be worth $1,000 in travel through Chase’s travel portal.

Of course, the best way to maximize the value of the ever-flexible Ultimate Rewards® points is to transfer them to an airline or hotel loyalty program, which can unlock the TPG value of 2.1¢ per point — turning 80,000 points into $1,520 worth of travel.

The Business Platinum Card® Review

at the issuer'ssecure website

CATEGORY RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of card membership
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on each eligible purchase of $5,000 or more (that's an extra half point per dollar) up to 1 million additional points per calendar year, and 1X points for each dollar you spend on eligible purchases
  • Select one qualifying airline and get up to $200 in statement credits each calendar year for baggage fees and other incidentals charged by the airline to your Business Platinum Card®
  • Access to the American Express Global Lounge Collection™, including 1,200 airport lounges across 130 countries and counting
  • Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year
  • $595 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$595
Excellent

The American Express Business Platinum Card® usually offers at least 75,000 points — and frequently offers a 100,000-point signup bonus — which comes with the same Membership Rewards® points as its consumer counterpart.

Assuming you transfer those rewards to a hotel or airline partner to reach the average TPG value, you’re looking at around $1,900 in value for a 100,000-point bonus.

Cash back redemptions for statement credits will only earn 0.6¢ per point, so avoid that option when possible. Additionally, shopping with your Membership Rewards® is rarely a good value, as you’ll only receive 0.5¢ per point in the shopping portal, and 0.7¢ per point when you use your points on Amazon.

The signup bonus for the American Express Business Platinum Card® is generally tiered, with half the bonus earned when you reach the first spending requirement, and the second half of the bonus earned by reaching the second spending tier.

As with Amex consumer credit cards, signup bonuses for American Express business credit cards can only be earned once per product per lifetime.

Best Credit Cards with $500+ Signup Bonuses

While the credit cards with the highest signup bonuses certainly have more to recommend them than their bonuses, they also tend to come with big annual fees that simply may not be worthwhile to the average cardholder.

But, just because you wish to avoid big annual fees doesn’t mean you have to deal with a sub-par signup bonus. Many great credit cards come with lower annual fees and still offer respectable signup bonuses valued at $500 or more.

Consumer | Business

Consumer Credit Cards with $500+ Signup Bonuses

Consumer credit cards with $500+ signup bonuses will generally have moderate spending requirements, with most coming in between $3,000 and $4,000. You should also expect to pay an annual fee around $95, though some may waive the fee the first year.

As with the highest-value signup bonuses, most of the $500+ bonuses will come in the form of points, rather than cash back. Additionally, the best per-point value can be obtained by redeeming your rewards for travel.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent

The Chase Sapphire Preferred® Card is the little sibling of the more expensive Chase Sapphire Reserve®, charging only 21% of the annual fee but only earning 2X points per dollar for bonus category purchases.

However, while the Preferred may earn fewer purchase rewards per dollar, it earns a larger signup bonus than its sibling, netting new cardholders who reach the spending requirement some serious Ultimate Rewards® points.

Chase Sapphire Preferred® Card cardholders only receive a 25% travel redemption bonus (compared to the Chase Sapphire Reserve®‘s 50% bonus) when redeemed through the Chase travel portal, which means your signup bonus is worth $750 with this option.

However, those points can still reach the same 2.1¢-per-point TPG valuation through smart transfers, giving you the potential for over $1,000 in value.

Citi Premier® Card Review

at the issuer'ssecure website

CITI® RATING
★★★★★
4.8
OVERALL RATING
4.6/5.0
  • Earn 60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening
  • Earn 3X Points at restaurants, supermarkets, gas stations, and on air travel and hotel purchases — all other purchases earn 1X Points
  • Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, through thankyou.com, once per calendar year
  • Transfer ThankYou® Points to participating airline loyalty programs including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.
  • $95 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 23.99% Variable
$95
Good/Excellent

The signup bonus for the Citi Premier Card offers 50,000 ThankYou® Points for meeting the minimum spend, though larger targeted offers crop up from time to time that can be worth an extra 10,000 bonus points or more.

As with other flexible rewards programs, ThankYou® Points have a range of potential values depending on how you redeem them. Cash back, gift cards, and pay-with-points redemptions all provide 1¢ per point, turning 50,000 ThankYou® points into $500.

You’ll get more out of your points by redeeming for travel through Citi’s portal, which can give you $625 worth of travel for the same 50,000 points.

To get to the TPG average valuation of 1.7¢ per point — or $850 for 50,000 points — you’ll need to transfer your ThankYou® Points to a partner airline, a list that includes 15 options (though none of the legacy carriers like Delta, American, or United).

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good

If all the talk of transfer partners and maximizing your points makes your head spin — or your eyes roll — you’re not alone. Consumers who are uninterested in the points and miles game can skip the confusion with a Capital One Venture Rewards Credit Card.

The miles you earn with a Capital One Venture Rewards Credit Card can have a single, flat-rate value, offering 1¢ per mile when you redeem for a statement credit to cover travel-related expenses.

So, a typical 50,000-mile signup bonus you can earn for reaching the moderate spending requirement for the Capital One Venture Rewards Credit Card will net you $500 in travel-related value. (You can also redeem miles for cash back, but, well, don’t — you’ll only get 0.5¢ per point.)

Or, if you’d rather have frequent flyer miles, cardholders have the option to transfer miles to a qualifying frequent flyer account. Transfer ratios vary from 2:1.5 to 2:1, depending on the frequent flyer program.

8. Discover it® Cash Back

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Discover it® Cash Back has a unique “signup” bonus that doesn’t actually kick in until a year after you open your account. But then it kicks in big — and the more you used your card that year, the bigger it gets.

What’s more, Discover also flaunts friendly introductory terms and some of the best customer service in the industry.

Business Credit Cards with $500+ Signup Bonuses

You’ll have a few options for business credit cards with signup bonuses worth $500 or more, with both cash back and miles cards in the mix. Most will provide straightforward cash back rewards, but some will have methods for boosting the value of the signup bonus, as well.

Ink Business Cash® Credit Card Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
13.24% - 19.24% Variable
$0
Good/Excellent

As a cash back card, the Ink Business Cash® Credit Card‘s signup bonus is a straightforward reward that provides cash back as a statement credit when you reach the modest spending requirement.

That being said, if you happen to also own a Chase credit card that earns Ultimate Rewards®, you can squeeze a lot more value out of that bonus. That’s because you’ll unlock the ability to turn that cash back bonus into Ultimate Rewards® points at a rate of one point per 1¢, which can be worth even more when redeemed for travel.

BEST OVERALL RATING
★★★★★
4.6
OVERALL RATING
4.6/5.0
  • Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • 0% introductory APR for 12 months on purchases
  • Employee cards at no additional cost
  • No Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 12 months
N/A
13.24% - 19.24% Variable
$0
Good/Excellent

The latest addition to the Chase business credit card family, the Ink Business Unlimited® Credit Card currently comes with the same cash back signup bonus as its sibling, the Ink Business Cash® Credit Card.

And, like its sibling, the Ink Business Unlimited® Credit Card can be paired with an Ultimate Rewards® earning card to turn that cash back bonus into significant travel value.

11. Capital One® Spark® Cash for Business

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Spark® Cash for Business is the most straightforward rewards card from the straightforward-rewards bank. The card’s $500 cash back signup bonus is exactly that: $500, delivered in the form of a statement credit.

12. Capital One® Spark® Miles for Business

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

In many ways, the Capital One® Spark® Miles for Business is essentially the business version of the bank’s consumer travel rewards card, the Capital One Venture Rewards Credit Card, though its signup bonus offers tiered earnings that can get much higher than the consumer card.

Best Credit Cards with $200+ Signup Bonuses

While the largest signup bonuses typically come as points or miles and require specific redemptions to reach their peak value, most of the smaller signup bonuses are of a simpler nature, mostly offered in the form of straight cash back.

In addition to being more straightforward to redeem, the smaller signup bonuses also have spending requirements that are significantly easier to attain, with most requiring $1,000 or less to earn a still-respectable bonus.

Consumer | Business

Consumer Credit Cards with $200+ Signup Bonuses

Most consumer credit cards with signup bonuses in the $200 range are not only cash back cards, but most will even come without an annual fee (but not all). You’ll find a mix of flat-rate unlimited cash back cards, as well as some that offer bonus categories.

Wells Fargo Cash Wise Visa® Card Review

at the issuer'ssecure website

EXPERT'S RATING
★★★★★
4.7
OVERALL RATING
4.6/5.0
  • Earn a $150 cash rewards bonus when you spend $500 in purchases in the first 3 months
  • Unlimited 1.5% cash back on purchases, and cash rewards do not expire as long as the account is open
  • Introductory 0% APR offer on purchases and balance transfers for 15 months from account opening (balance transfer fee applies)
  • Account protections such as 24/7 Fraud Monitoring, Alerts, and Zero Liability protection for promptly reported unauthorized transactions
  • Cell Phone Protection helps protect your cell phone from damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo consumer credit card
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.49% - 24.99% Variable
$0
Good/Excellent

As is common of many signup bonuses from cash back cards, the Wells Fargo Cash Wise Visa® Card bonus can be simply redeemed for a statement credit at its face value of $200. You can redeem rewards with your Wells Fargo Debit or ATM Card at Wells Fargo ATMs, as a statement credit, or as a credit to your qualified Wells Fargo mortgage.

Plus, pay your mobile phone bill with your card to be eligible for up to $600 in cellphone protection against covered damage or theft.

BEST OVERALL RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

The Capital One VentureOne Rewards Credit Card is the little sibling of the Capital One Venture Rewards Credit Card.

The Capital One VentureOne Rewards Credit Card doesn’t have the annual fee that its big sibling charges, and the card’s signup bonus — while less valuable at only $200 — is easier to obtain with a spending requirement just one-third the size.

Bank of America® Travel Rewards Credit Card Review

at Bank Of America'ssecure website

EXPERT'S RATING
★★★★★
4.7
OVERALL RATING
4.7/5.0
  • Earn 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time, and no expiration on points
  • Enjoy no annual fee and no foreign transaction fees while earning points to use for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Introductory 0% APR offer on purchases
  • Preferred Rewards members earn 25%-75% more points on every purchase. That means you could earn up to 2.62 points for every $1 you spend, everywhere, every time.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR for 12 billing cycles
N/A
14.99% - 22.99% Variable
$0
Excellent/Good

One of the few points rewards cards with a lower-value bonus, the Bank of America® Travel Rewards Credit Card offers 20,000 bonus points for meeting the $1,000 spending requirement within the first 90 days of account opening. Look out for special online signup bonus offers worth an extra 5,000 points.

Those points can be redeemed for $200 in statement credit good toward a range of travel-related expenses, including flights, hotels, rental cars, and baggage fees.

Blue Cash Preferred® Card Review

at the issuer'ssecure website

CATEGORY RATING
★★★★★
5.0
OVERALL RATING
4.9/5.0
  • Earn 6% cash back at U.S. supermarkets on up to $6,000 per year on purchases (then 1%). Also earn 6% cash back on select U.S. streaming subscriptions.
  • Earn 3% cash back on transit, including U.S. gas stations, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
  • Access to Global Assist Hotline - 24/7 medical, legal, financial and other select emergency assistance and coordination services
  • 0% intro APR for 12 months from the date of account opening
  • $95 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.99% - 23.99% Variable
$95
Good/Excellent

The signup bonus for the Blue Cash Preferred® Card from American Express seems to depend on the specific offer, with most applicants seeing a $200 or $250 cash back rewards signup bonus.

Whichever signup bonus offer you receive, meeting the spending requirement within the first three months can net you enough to cover the card’s annual fee for the first two years. As an Amex card, you’ll only get one signup bonus for this card, ever, so make it count.

Business Credit Cards with $200+ Signup Bonuses

As is the trend with business credit cards, the spending requirements for even these smaller signup bonuses will typically be larger than those required by consumer cards. But, given that the average business spends more in a month than the typical consumer, they’re likely to be of similar attainability.

17. Capital One® Spark® Cash Select for Business

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The Capital One® Spark® Cash Select for Business has the same straightforward cash back redemption for its signup bonus as its sibling card, albeit with a smaller $200 signup bonus for meeting a more reasonable $3,000 spending requirement.

18. Capital One® Spark® Miles Select for Business

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

The miles you earn with the Capital One® Spark® Miles Select for Business are as easy to redeem as any other Capital One® travel rewards card, providing a set 1¢-per-mile value when you redeem for a statement credit to cover qualifying travel-related expenses.

Business Advantage Cash Rewards Credit Card Review

at the issuer'ssecure website

BUSINESS CARD RATING
★★★★★
4.8
OVERALL RATING
4.6/5.0
  • Get a $300 statement credit when you make at least $3,000 in net purchases within 90 days of your account opening
  • Earn 3% cash back on your choice of one of the following six categories: gas stations (default), office supply stores, travel, TV/telecom & wireless, computer services, or business consulting services and 2% cash back on dining on the first $50,000 in combined choice category/dining purchases each year, 1% thereafter
  • Earn unlimited 1% cash back on all other purchases
  • Get 75% more cash back on every purchase when you're a Preferred Rewards for Business Platinum Honors tier member. That means you'll earn 5.25% on your selected choice category, 3.5% on dining, and unlimited 1.75% cash back on all other purchases.
  • 0% on purchases for 9 billing cycles from account opening
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 9 billing cycles
N/A
12.24% to 22.24% Variable
$0
Good

The Business Advantage Cash Rewards Mastercard® has one of the smallest spending requirements of any business credit card, offering a solid $200 signup bonus for just $500 in qualifying spend within the first 60 days of account opening.

Cash back rewards can be redeemed for a statement credit or as a deposit into a qualifying Bank of America small business checking or savings account. You must have at least $25 in rewards to redeem.

Earn Huge Rewards as a New Cardholder

Whether you’re an experienced credit card churner looking to maximize your rewards or an everyday consumer simply trying to make the most of a new card, there are dozens of solid options available for earning a nice signup bonus regardless of your budget and spending habits.

At the same time, it’s important to understand the potential perils of chasing signup bonuses. For example, you never want to charge more than you can afford to repay just to get a signup bonus; interest fees can add up very quickly when you carry a balance, which can eat into your earnings — or even surpass them.

Furthermore, make sure you go for signup bonuses you can actually redeem for the best value. If you rarely travel, for instance, then some of the biggest signup bonuses may not actually hold more value than smaller cash back bonuses. You should also keep an eye on other potential costs, like annual fees, that can offset your bonus.

Finally, keep in mind that only new purchases will count toward you signup bonus. Other transaction types, such as balance transfers and cash advances, won’t earn purchase rewards or count toward the minimum spending requirements for signup bonuses. (Plus, they often start accruing interest right away and come with extra fees, so do your research before making these types of transactions.)

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